We understand what makes you tick. Come see what sets us apart from the rest.


Lending Solutions

We make borrowing easy.
We provide smart choices with competitive rates, flexible terms, and efficient service. Loans are processed for existing members or eligible members of Pacific Crest Federal Credit Union. Receive rate discounts for direct deposit or payroll deduction.

View current loan rates Apply for a loan

Vehicle Loans

  • New or used vehicles.
  • 100% financing available.
  • Pre-approval gives you buying power.


Credit Cards

Purchase Power.
Pacific Crest is here to give you the credit you deserve. Our selection of low-rate Visa® credit cards gives you the purchasing power and convenience you need - at millions of locations around the globe. Whatever card you choose, our Pacific Crest credit cards are backed by the reliability and security of Visa®. You won't be liable for fraudulent purchases in the event that your card is lost or stolen.

Platinum Visa®

Classic Visa®

Secure Visa®

  • Credit limits up to $25,000.
  • No annual fee.
  • $500,000 Common Carrier Travel Coverage.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.
  • Lets you establish or re-establish credit.
  • Credit limits secured by 100% of funds in share account, up to $5,000.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.

Real Estate Loans

The real estate loans at Pacific Crest Federal Credit Union offer outstanding flexibility combined with competitive rates, for a payment that fits your life perfectly. Because loan interest rates may be tax deductible**, real estate loans are a smart borrowing choice.

  • Competitive rates
  • Conventional First Mortgages
  • Home Refinancing
  • Non-owner occupied, owner occupied, 1-4 units, vacation or second
  • Manufactured Home 
  • Free pre-qualifications
  • Apply now at our new Online Mortgage Center

Secured Loans 

  • Extra-low loan rate.
  • Money or Certificate borrowed against continues to earn dividends.
  • Guaranteed approval.
*Please speak to a member service representative about restrictive qualifications and boundaries that apply to all mortgage loan products. **Consult your tax advisor.


Quick Loan - $500 Minimum/Maximum Loan Amount 

Rate discounts do not apply.
Term Annual Percentage Rate
Up to 4 months 18.00%
The Quick Loan is a short term loan designed to help our members build credit or fund an emergency. It is a $500 loan that can be paid back within 4 months or 8 semi-monthly payments. This loan requires a Quick Savings Account. When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Savings Account. If the loan is in default, the balance in the Quick Savings Account will be applied towards the loss. When the loan is paid in full, the Quick Savings balance will be released into your Regular Savings Account. Members can apply for the Quick Loan only twice in a year.